This organization took money out of my checking account without my permission. They also posted my home telephone number on their website, so now I am getting calls at all hours of the night from everywhere in the USA. The people all have the same complaint. When you call the number (it is listed on my bank statement) 866-86-1277, they tell you that they are issueing a refund, but the refund never arrives. this is definitely a scam and I do not want another 31.98 deducted from my checking account. I have a list of five (5) other people that have been victimized by this same company and one lady has a husband that is dying from cancer and they have gotten her twice. Please help us.